Grow your savings with our High Earning Savings Account! Perfect for an emergency fund or building wealth. With this tiered savings account, save at your own pace and enjoy higher earnings the more you save.
*APY = Annual Percentage Yield. Rates may change after account is opened. Any account that receives net deposit(s) totaling $100 or more during the month will earn 3.25% APY. If no qualifying deposit(s) are made, dividend is accrued on a tiered basis. Balances $9,999.99 or below earn 0.10% APY. Balances $10,000.00 to $24,999.99 earn 1.75% APY. Balances $25,000.00 or more earn 3.25%. Minimum deposit to open the account is $100.00. Minimum balance to earn dividend is $0.01. Dividend is compounded and credited monthly. Must maintain a minimum balance of $5.00 in the account to avoid service fees; otherwise $5.00 fee per month. Will receive two (2) free withdrawals per month, thereafter your account may be subject to a $5.00 fee per withdrawal. Fees may reduce the earnings. See the Share Rate and Fee Schedule for additional fees that may apply. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice.
**APY = Annual Percentage Yield and Dividend Rate are accurate as of the last dividend declaration date, and may change after the account matures. The minimum deposit and minimum balance required to earn the advertised APY is $1,000. Penalty will be imposed for early withdrawal and fees could reduce the earnings on the account, see terms and conditions for additional restrictions and fees that may apply. Membership and eligibility requirements apply. Membership requires a $5 one-time, nonrefundable membership fee, and a minimum initial deposit of $5.
15 month CD Promotion
APY is fixed for the term of the limited time promotion. Members with a Georgia United CD that reaches maturity may choose to renew at the promotional rate by increasing their deposit balance by $1,000. The funds used to open the CD cannot currently be in a deposit account with Georgia United. A 15 month term will earn 4.00% APY and at maturity, the CD will renew at a 12 month term at the prevailing rate.
***For a Money Market Savings, you will receive three (3) free withdrawals per month, thereafter your account may be subject to a $5.00 fee per withdrawal. For a Christmas Club account, the entire balance will be transferred to another account of yours on or after November 1 and the account will remain open. For a "You Name It" Savings and Prime Share Savings, you will receive two (2) free withdrawals a month, thereafter your account may be subject to a $5.00 fee per withdrawal. For Christmas Club accounts, there will be a $5.00 fee for each withdrawal made January 1 - October 31. For Vacation Club accounts, one (1) free withdrawal is allowed per quarter, thereafter a $5.00 fee for each withdrawal. Fees could reduce the earnings on the account. Membership and eligibility requirements apply.
****Account must be kept active with a $5 minimum balance to avoid service charges. For a Money Market Savings, account must maintain an average daily balance of $1,000 to avoid service charges; otherwise $5.00 fee per month. See Georgia
United's Share Rate and Fee Schedule for more details.
*****Not intended as tax advice. Please consult a tax professional before making decisions regarding your IRA.
Rates effective as of